| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 3200 VILLA LN NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $64K | — | $64K | 4.89% |
| FOUNDATION RISK PARTNERS CORP3 | DBA O'KANE AND TEGAY I 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 2.78% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 | INC 3200 VILLA LANE NAPA, CA 94558 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 2.73% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER, JACOBS, CASSAYRE INSURANCE | SERVICES 3200 VILLA LANE NAPA, CA 94558 | WESTERN HEALTH ADVANTAGE | $7K | — | $7K | 4.64% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER, JACOBS, CASSAYRE & GRIFFIN | INC DBA ISU SANDER JACOBS CASSAYRE INSURANCE SERVICES 3200 VILLA LANE NAPA, CA 94558 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 8.18% |
| ISU SANDER, JACOBS, CASSAYRE3 | INSURANCE SERVICES 3200 VILLA LN NAPA, CA 945583017 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
| FOUNDATION RISK PARTNERS CORP3 | DBA SANDER, JACOBS, CASSAYRE I 3200 VILLA LANE NAPA, CA 94558 | VISION SERVICE PLAN | $414 | — | $414 | 1.63% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $321 | — | $321 | 1.27% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: NERS FOUNDATION RISK PART | 1540 CORNERSTONE BLVD. SUITE 230 DAYTONA BEACH, FL 32117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.44% |
| TIMOTHY F RANUIO3 | 1109 JEFFERSON STREET NAPA, CA 94559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.42% |
| ERIN L. RIGGINS3 Filed as: ERIN L RIGGINS | 1260 N. DUTTON AVE SUITE 180 SANTA ROSA, CA 95401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $794 | — | $794 | 6.77% |
| DINORAH D ALFARO3 | SEE PMC SACRAMENTO, CA 94928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $506 | — | $506 | 4.31% |
| SAHAR QABAZARD3 | 18121 CALIFORNIA CT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 2.91% |
| DANIEL AARON MCCONNEL3 Filed as: DANIEL A MCCONNELL | 19 DRAWBRIDGE CT SACRAMENTO, CA 95833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 1.24% |
| RONDA S MATHEW3 | 323 CLAY STREET NEVADA CITY, CA 95959 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 72 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 211 | $1.5M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 332 | $206K |
| Vision | VISION SERVICE PLAN | 178 | $25K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 332 | $206K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 72 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $56K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 332 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.